Debt collector · complaint record
Merchants' Credit Guide complaints
Filed under Merchants' Credit Guide Company
Consumers have filed 734 complaints about Merchants' Credit Guide since 2013, 28 of them in the last 12 months (-20% on the year before). It answered 100% on time and closed 43% with relief for the customer - more often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Strong response record. How it works
- Complaints on record
- 734
- Last 12 months
- 28
- Answered on time
- 100%
- Closed with relief
- 43%
- Last 30 days
- 3
- Rank
- #438 of 1,963
Since July 2013
-20% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 30, 2026
Most complained-about debt collectors
Merchants' Credit Guide complaints by month
The busiest month was April 2022 (20 complaints). Complaints in the last 12 months are down 20% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Merchants' Credit Guide answered last 12 months
- Closed with non-monetary relief1242.9%
- Closed with explanation1657.1%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers36/4042.9% closed with relief
- Complaint trend15/15-20% vs last year
What Merchants' Credit Guide complaints are about
Top Merchants' Credit Guide problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 155
- Debt was paid 53
- Debt was result of identity theft 49
- Debt was already discharged in bankruptcy and is no longer owed 3
Where Merchants' Credit Guide complaints come from
Most complaints: Illinois (458), Texas (79), Ohio (24), Michigan (20), Florida (18).
Merchants' Credit Guide compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Eaton Group AttorneysDebt collection | 35 | 28 | D |
| 2 | Global Trust ManagementDebt collection | 56 | 28 | C |
| 3 | Hauge AssociatesDebt collection | 57 | 28 | C |
| 4 | AMCOL SystemsDebt collection | 15 | 28 | F |
| 5 | Global Solution BizDebt collection | 15 | 28 | F |
| 6 | Independence Capital RecoveryDebt collection | 15 | 28 | F |
| 7 | All State Credit BureauDebt collection | 62 | 28 | C |
| 8 | Merchants' Credit GuideDebt collection | 96 | 28 | A |
Compare side by side: Merchants' Credit Guide vs Eaton Group Attorneys · Merchants' Credit Guide vs Global Trust Management · Merchants' Credit Guide vs Hauge Associates · Merchants' Credit Guide vs AMCOL Systems
What people say about Merchants' Credit Guide
All experiencesNo experiences with Merchants' Credit Guide yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Merchants' Credit Guide complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 30, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 28, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Oct 12, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Sep 15, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Fixed |
| Aug 8, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Aug 7, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Aug 3, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jul 22, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 17, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jul 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Jun 15, 2026 | Payday & personal loans | Unexpected fees | Fixed |
Questions about Merchants' Credit Guide
How many complaints does Merchants' Credit Guide have?
Merchants' Credit Guide has 734 complaints on record since July 2013, including 28 in the last 12 months and 3 in the last 30 days. That makes it number 911 of every company by complaints this year.
Does Merchants' Credit Guide respond to complaints?
Yes. Merchants' Credit Guide answered 100% of its complaints on time (within 15 days) and closed 43% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 96/100 (grade A).
What do people complain about most with Merchants' Credit Guide?
The most common problems are attempts to collect debt not owed (260), written notification about debt (188), false statements or representation (47).
Is Merchants' Credit Guide legit?
Merchants' Credit Guide is a real company with a public complaint record: consumers have complained about it 734 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Merchants' Credit Guide legit? for the signals, red flags and how to protect yourself.
Are complaints about Merchants' Credit Guide going up or down?
Down. There were 28 complaints in the last 12 months against 35 in the 12 before (-20%). See every month.
How do I file a complaint against Merchants' Credit Guide?
Complain to Merchants' Credit Guide in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Merchants' Credit Guide complaints come from?
Most come from Illinois (458), Texas (79), Ohio (24). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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